Here are some suggestions on reducing the cost of Christmas:

Earn money while you spend with a cashback credit card.

If you can't afford to pay off your credit card in full, use a card which charges zero interest to make your Christmas purchases.

Use discount vouchers wherever possible. It isn't cheap, it's Seize the Deal (on our JOYfm website).

 Buying groceries is exhausting and time consuming, but the one time of year when it is really worth doing is Christmas. Again, also check for any available vouchers. If you have never shopped online for groceries before, you may be entitled to a special discount.

Who says Christmas can't be white (and a little "green" too).